Buy Cheap Portage, MI Auto Insurance in 2024
Portage, MI auto insurance rates average $720 a month. Minimum auto insurance requirements in Portage, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Portage, MI, compare Portage auto insurance quotes from top companies.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Portage is Allstate
- Average auto insurance rates in Portage, MI after a DUI are $14,565/year
- The most expensive auto insurance company in Portage after a DUI is Allstate
Finding affordable Portage, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Portage, MI auto insurance with confidence is right here. Auto insurance rates in Portage are affected by local factors as well as personal ones like your driving record.
See how Portage, MI car insurance rates compare to Warren auto insurance rates, Lansing auto insurance rates, and Detroit auto insurance rates before you read more about the cost of auto insurance in Portage.
Don’t buy Portage, MI auto insurance until you’ve compared rates. Get free Portage, Michigan auto insurance quotes when you enter your ZIP code above.
Portage, MI Minimum Auto Insurance Requirements
The required auto insurance in Portage, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Portage, Michigan is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Find Cheap Portage, MI Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Portage, MI. Take a look at Portage, Michigan auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $32,733 | $18,111 | $13,856 |
| Farmers | $7,009 | $4,662 | $4,306 |
| Geico | $6,868 | $5,053 | $4,114 |
| Liberty Mutual | $26,470 | $15,301 | $8,464 |
| Nationwide | $6,010 | $4,563 | $3,899 |
| Progressive | $4,993 | $4,229 | $3,829 |
| State Farm | $14,291 | $7,259 | $4,948 |
| Travelers | $7,707 | $7,476 | $7,383 |
| USAA | $4,911 | $2,803 | $2,157 |
Buy Cheap Portage, MI Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Portage, Michigan auto insurance rates? Find out how car insurance rates in Portage, MI are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $15,762 | $15,762 | $14,626 | $14,626 | $39,270 | $39,270 | $16,609 | $16,609 |
| Farmers | $4,017 | $4,017 | $3,747 | $3,747 | $9,019 | $9,019 | $4,520 | $4,520 |
| Geico | $3,650 | $3,650 | $3,743 | $3,743 | $10,493 | $10,493 | $3,494 | $3,494 |
| Liberty Mutual | $12,566 | $12,566 | $12,442 | $12,442 | $29,406 | $29,406 | $12,566 | $12,566 |
| Nationwide | $3,458 | $3,458 | $3,088 | $3,088 | $8,968 | $8,968 | $3,782 | $3,782 |
| Progressive | $2,544 | $2,372 | $2,262 | $2,504 | $9,380 | $10,040 | $2,951 | $2,750 |
| State Farm | $5,353 | $5,353 | $4,954 | $4,954 | $18,731 | $18,731 | $6,293 | $6,293 |
| Travelers | $5,051 | $5,051 | $4,337 | $4,337 | $15,214 | $15,214 | $5,485 | $5,485 |
| USAA | $2,359 | $2,259 | $2,215 | $2,105 | $5,935 | $5,722 | $2,904 | $2,821 |
Buy Cheap Portage, MI Auto Insurance for Teen Drivers
Auto insurance for teenagers in Portage can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Portage, MI are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $39,270 | $39,270 |
| Farmers | $9,019 | $9,019 |
| Geico | $10,493 | $10,493 |
| Liberty Mutual | $29,406 | $29,406 |
| Nationwide | $8,968 | $8,968 |
| Progressive | $9,380 | $10,040 |
| State Farm | $18,731 | $18,731 |
| Travelers | $15,214 | $15,214 |
| USAA | $5,935 | $5,722 |
Buy Cheap Portage, MI Auto Insurance for Seniors
You can save on senior auto insurance rates in Portage, Michigan by comparing Portage senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Portage, MI here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $14,626 | $14,626 |
| Farmers | $3,747 | $3,747 |
| Geico | $3,743 | $3,743 |
| Liberty Mutual | $12,442 | $12,442 |
| Nationwide | $3,088 | $3,088 |
| Progressive | $2,262 | $2,504 |
| State Farm | $4,954 | $4,954 |
| Travelers | $4,337 | $4,337 |
| USAA | $2,215 | $2,105 |
Find Cheap Auto Insurance Rates in Portage, MI by Coverage Level
The amount of coverage you choose is a big factor in the cost of Portage, Michigan auto insurance. Compare Portage, MI auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $21,019 | $21,616 | $22,065 |
| Farmers | $5,203 | $5,315 | $5,458 |
| Geico | $5,002 | $5,299 | $5,734 |
| Liberty Mutual | $16,339 | $16,706 | $17,190 |
| Nationwide | $5,029 | $4,747 | $4,696 |
| Progressive | $4,223 | $4,355 | $4,472 |
| State Farm | $8,455 | $8,879 | $9,165 |
| Travelers | $7,443 | $7,530 | $7,593 |
| USAA | $3,198 | $3,297 | $3,375 |
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Find Cheap Portage, MI Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Portage. Compare auto insurance rates in Portage, MI by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $21,567 | $21,567 |
| Farmers | $5,326 | $5,326 |
| Geico | $5,225 | $5,464 |
| Liberty Mutual | $16,172 | $17,317 |
| Nationwide | $4,824 | $4,824 |
| Progressive | $4,350 | $4,350 |
| State Farm | $8,609 | $9,057 |
| Travelers | $7,479 | $7,565 |
| USAA | $3,254 | $3,327 |
Find Cheap Portage, MI Auto Insurance Rates by ZIP Code
Auto insurance rates in Portage, Michigan can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Portage, MI to see how much where you live in Portage affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 49002 | $6,126 |
| 49024 | $6,130 |
Find Cheap Portage, MI Auto Insurance Rates by Driving Record
Auto insurance rates in Portage, Michigan are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Portage, MI, take a look at the average cost for various violations versus rates for a clean driving record in Portage.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $10,520 | $14,041 | $46,995 | $14,710 |
| Farmers | $4,474 | $5,702 | $5,627 | $5,500 |
| Geico | $1,860 | $3,982 | $12,074 | $3,464 |
| Liberty Mutual | $11,589 | $14,091 | $26,374 | $14,925 |
| Nationwide | $4,146 | $5,493 | $5,004 | $4,653 |
| Progressive | $3,710 | $4,836 | $4,348 | $4,507 |
| State Farm | $5,600 | $6,725 | $14,596 | $8,411 |
| Travelers | $5,078 | $7,262 | $11,746 | $6,001 |
| USAA | $2,650 | $3,299 | $4,323 | $2,889 |
Find Cheap Portage, MI Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Portage, Michigan is higher than for a clean driving record. You can buy auto insurance after a DUI in Portage for less when you shop around and compare rates from multiple Portage, MI auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $46,995 |
| Farmers | $5,627 |
| Geico | $12,074 |
| Liberty Mutual | $26,374 |
| Nationwide | $5,004 |
| Progressive | $4,348 |
| State Farm | $14,596 |
| Travelers | $11,746 |
| USAA | $4,323 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Portage, MI
Compare rates from the cheapest auto insurance companies in Portage, MI for your needs. Take a look at how Portage, Michigan auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Find Cheap Portage, Michigan Auto Insurance Companies
If you’re looking for the cheapest Portage, MI auto insurance companies overall, you can compare them here. Find the best price for Portage, Michigan car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $21,567 |
| Farmers | $5,326 |
| Geico | $5,345 |
| Liberty Mutual | $16,745 |
| Nationwide | $4,824 |
| Progressive | $4,350 |
| State Farm | $8,833 |
| Travelers | $7,522 |
| USAA | $3,290 |
What affects Portage, Michigan auto insurance rates?
Local factors affect auto insurance rates in Portage, MI, including traffic, theft statistics, and commute length. Take a look at the things that impact Portage auto insurance rates.
Auto Theft in Portage
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Portage, MI auto theft show a total of 75 vehicle thefts annually.
Commute Times in Portage
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Portage, MI is 19.8 minutes according to City-Data.
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Compare Auto Insurance Quotes in Portage, MI
You can buy cheap Portage, MI auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Portage, Michigan auto insurance quotes from top companies.
Frequently Asked Questions
Why is auto insurance important in Portage, MI?
Auto insurance is crucial in Portage, MI, as it provides financial protection against potential losses and liabilities resulting from auto accidents. It helps cover the costs of vehicle repairs, medical expenses, property damage, and legal expenses, ensuring you are not burdened with hefty bills in case of an accident.
What types of auto insurance coverage are available in Portage, MI?
In Portage, MI, you can typically find various types of auto insurance coverage, including:
- Liability Coverage: This covers bodily injury and property damage you may cause to others in an accident.
- Collision Coverage: It pays for the repair or replacement of your vehicle if it is damaged in a collision.
- Comprehensive Coverage: It provides coverage for non-collision-related incidents like theft, vandalism, natural disasters, and more.
- Uninsured/Underinsured Motorist Coverage: This protects you if you are involved in an accident with a driver who has little or no insurance.
How can I find cheap auto insurance in Portage, MI?
To find affordable auto insurance in Portage, MI, consider the following tips:
- Compare Quotes: Obtain quotes from multiple insurance companies to compare prices and coverage options.
- Opt for Higher Deductibles: Choosing a higher deductible can lower your premium but means you’ll pay more out of pocket in case of a claim.
- Maintain a Good Driving Record: Having a clean driving record with no accidents or tickets can help you secure lower insurance rates.
- Bundle Policies: If you have multiple insurance needs, bundling your auto insurance with other policies, such as home or renters insurance, can lead to discounts.
- Look for Discounts: Inquire about available discounts, such as safe driver discounts, good student discounts, or loyalty discounts, as they can significantly reduce your premium.
What factors can affect my auto insurance premium in Portage, MI?
Several factors influence your auto insurance premium in Portage, MI, including:
- Driving History: Your past accidents, traffic violations, and claims can impact your premium.
- Vehicle Type: The make, model, and year of your vehicle, as well as its safety features, can affect your rates.
- Age and Gender: Younger drivers usually pay more due to their higher risk, while mature drivers may qualify for lower rates.
- Credit Score: In some states, including Michigan, credit history can be a factor in determining insurance rates.
- Annual Mileage: The number of miles you drive annually can impact your premium.
Are there any cons to buying cheap auto insurance in Portage, MI?
While cheap auto insurance can save you money upfront, it’s essential to be aware of potential drawbacks, such as:
- Limited Coverage: Cheap insurance policies may offer minimal coverage, leaving you financially vulnerable in case of an accident or damage.
- Higher Deductibles: Lower-cost policies often come with higher deductibles, meaning you’ll have to pay more out of pocket before insurance kicks in.
- Limited Customer Support: Some budget insurers may have limited customer service hours or lack personalized assistance.
- Less Flexibility: Cheap insurance providers may have stricter terms and conditions, making it harder to make changes to your policy or add additional coverage.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.